Investor Presentaiton

4 Strategic Rationale · • • • $30 billion retail deposit base - - Provides increased stability and diversification of funding sources Provides cost-effective funding for future asset growth Positions Scotiabank as a solid #3 in Canadian deposit share 288 289 Established & distinct direct retail banking brand and platform ⚫ A "turnkey" standalone operation • Add additional products that are aligned with ING Direct Canada's self-service value proposition Scotiabank

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